I tend to think if I talk to other people (not betas or co-writers) about a fic than it's jinxed to never be finished.

I think that articulates my sentiments exactly.

If I do, it's like one or two words describing the scenes.

Yeah, that's as close as I usually get. If it's a long fic, I have titles for the scenes, as short as possible, and write them down, so I can figure out what's coming next.